Typically the contract specifically states something to the effect WHATS HERE IS ALL AND THE ONLY THING THAT MATTERS AND NO ORAL STATEMENTS ALTER SUCH OR CAN MODIFY WHATS HERE
Obviously that's NOT legal ease or correct but just to give you an idea. While oral contracts can indeed be binding, doctrines such as the Parol Evidence Rule, the Four Corners Doctrine, Freedom of Contract etc etc render insurance contracts almost sacred
Im NOT saying there cant be exceptions Im ONLY saying insurance and contract law is long and well settled and its hard to beat out or offset the language in an insurance contract THEY ARE EXPERTS AT THIS moreso than other attorneys.....Even if you had a recording saying something different than the contract its hard to win. There would have to be several mitigating factors such as justifiable reliance and all other sorts of end runs. YES oral contracts can be valid but hard to set aside a writing
John T This is NOT correct or accurate ONLY some basic recollection from yearssssssssss ago NO WARRANTY Again one of the first things in Insurance Law WHATS IN WRITING IS ABOUT ALL THAT MATTERS
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